What Chase asks for when you open an account

Chase requires a government-issued photo ID, your Social Security number, and an initial deposit to open a checking or savings account. The specific documents and deposit amount depend on which account type you choose and whether you open it in person, online, or by phone.

You'll also need to provide your current address and contact information. If you're opening an account for someone under 18, a parent or guardian must be present and provide their own ID and Social Security number.

Key Takeaways

  • A valid government-issued photo ID (driver's license, passport, or state ID) is required for all account types.
  • Chase will ask for your Social Security number to verify your identity and check your banking history.
  • Minimum opening deposits vary by account type—some checking accounts require $25, while others require $100 or more.
  • You can open an account online, in a branch, or by phone, and the documents you need are the same for each method.
  • If you don't have a Social Security number, you can open an account with an Individual Taxpayer Identification Number (ITIN) instead.

Documents you'll need to bring or provide

Bring one government-issued photo ID. Chase accepts a driver's license, state ID card, passport, or military ID. The ID must not be expired, though Chase may accept an ID that expired within the last year—call your local branch to confirm their specific policy.

You'll need your Social Security number. If you don't have one, bring your ITIN and be prepared to explain your immigration status. Chase will verify this information against federal records.

Have your current mailing address ready. If you've moved recently and your ID shows an old address, bring a recent utility bill, lease, or mortgage statement with your current address on it. Chase uses this to prevent fraud and comply with federal banking rules.

Minimum deposits required to open an account

Chase's minimum opening deposit varies by account. Chase Total Checking requires a $25 minimum deposit. Chase Premier Plus Checking requires $100. Chase Sapphire Checking requires $500. Savings accounts typically require $25 to $100, depending on the specific product.

The deposit can come from a transfer from another bank account, a check, or cash if you open the account in person at a branch. If you open online, you'll transfer money from an existing bank account. Chase does not accept deposits from credit cards or payment apps like PayPal or Venmo.

Opening an account online versus in a branch

Opening online takes 10 to 15 minutes and you can do it from home. You'll upload a photo of your ID, enter your Social Security number, provide your address, and transfer your opening deposit from another bank account. Chase will verify your information and you can usually start using your account the same day or within one business day.

Opening in a branch takes 20 to 30 minutes. A banker will review your documents, answer questions, and process your deposit on the spot. You'll receive a debit card when ready if you open before 2 p.m. on a business day, though it may take 7 to 10 business days to arrive by mail if you open later or on a weekend.

Opening by phone is also possible. Call Chase at 1-800-935-9935 and a representative will walk you through the process. You'll still need to provide the same documents and information, and you'll transfer your opening deposit from another bank account.

What Chase checks before opening your account

Chase runs a background check through ChexSystems, a banking history database that tracks closed accounts, overdrafts, and fraud. If you've had problems with a bank account in the past—such as unpaid overdrafts or a closed account due to fraud—Chase may deny your request or require you to pay outstanding balances first.

Chase also verifies your identity through Equifax or another credit bureau to prevent identity theft and money laundering. This is a federal requirement, not a Chase policy. The verification usually takes a few minutes if your information matches what's on file.

If Chase cannot verify your identity online, they may ask you to visit a branch in person or provide additional documents such as a utility bill or tax return. This process can add a few days to account opening.

If you don't have a Social Security number

You can open a Chase account with an Individual Taxpayer Identification Number (ITIN) instead. An ITIN is issued by the IRS to people who are not may be able to access for a Social Security number but need to file taxes or conduct banking business in the United States.

Bring your ITIN documentation and your government-issued photo ID. Chase will ask about your immigration status and may require additional verification. The process takes longer than opening with a Social Security number—expect an extra week or two for Chase to verify your ITIN through the IRS.

What happens after you open your account

Once your account is open, you'll receive a debit card and checks (if you opened a checking account). Your debit card arrives by mail in 7 to 10 business days. You can request a rush card at some branches for a fee, or you can use your account number and routing number to set up direct deposit or transfers when ready.

Chase will send you a welcome packet with your account number, routing number, and information about online banking and mobile app access. Set up your online login and mobile app right away so you can monitor your account and transfer money.

If you opened with a minimum deposit and want to avoid monthly fees, make sure you understand the requirements for your specific account. Some Chase checking accounts waive fees if you maintain a minimum balance or set up direct deposit.

Frequently Asked Questions

Can I open a Chase account if I've been denied before?

It depends on why you were denied. If you had unpaid overdrafts or fraud on a previous account, you may need to pay those balances first. Contact Chase directly to ask about your specific situation—some branches have more flexibility than others, and policies can vary by location.

Do I need to be a U.S. citizen to open a Chase account?

No. You need a valid government-issued photo ID and either a Social Security number or an ITIN. Chase serves customers with various immigration statuses, though verification may take longer if you use an ITIN.

What if I don't have a government-issued photo ID?

Chase requires a photo ID for all accounts. If you don't have a driver's license or passport, you can get a state ID card from your state's DMV. This process typically takes two to four weeks. Until then, you cannot open a Chase account.

Can someone else open an account on my behalf?

No. You must be present and provide your own ID and Social Security number. If you're under 18, a parent or guardian must be present with their own ID, but you still need to provide your own information.

How long does it take to access my money after I open an account?

If you open online or in a branch, you can usually access your account and transfer money the same day or within one business day. If you deposit a check, Chase holds the funds according to federal rules—typically one to five business days depending on the check amount and your account history.